Side-by-side · Q2 2026 data
Elizabethton Federal Savings Bank vs Appalachian Community Federal Credit Union
Credit union
Appalachian Community Federal Credit Union
Kingsport, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Elizabethton Federal Savings Bank | Appalachian Community Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 60 |
| Loan quality | 92 (stronger) | 91 |
| Earnings | 66 (stronger) | 47 |
| Funding & liquidity | 66 | 67 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 90th | 51st |
| Total assets | $326.0M | $182.8M |
| Deposits / shares | $187.9M | $161.4M |
| Capital ratio | 42.27% (stronger) | 10.99% |
| Problem loans | 0.25% (stronger) | 0.26% |
| Net charge-offs | 0.00% (stronger) | 0.22% |
| Return on assets | 1.14% (stronger) | 0.69% |
| Loans ÷ deposits | 94.0% | 92.8% (stronger) |
| Uninsured deposits | 8.3% | 6.9% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.5% |
Elizabethton Federal Savings Bank has the higher TellerScore (86 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Elizabethton Federal Savings Bank leads on 5 and Appalachian Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.